Most people are just paying their mortgage and that’s it.They are not contributing to their retirement plan, they have no savings, no emergency fund. They cannot go on vacation unless they get into debt.

Why?Because they bought a home that is too expensive for their personal situation. In other words, they bought a house that the couldn’t afford.

Here are some of the reasons people are trying to pay off their mortgage.

You should not be paying off your mortgage as fast as possible, making extra payments, or getting in shorter terms, or be participating in a bi-weekly plan.

Why? Because the goal in life should be to create wealth.

Why carry the long-term mortgage?The only answer is liquidity and wealth.

Paying off that debt will not necessarily give you wealth.At this moment, your home is increasing in value on its own.

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